If you're seeking professional counseling that is a very smart decision. In light of your financial situation I would not entertain the notion of another child to rear right now. And then there is the consideration of the mental anguish/grief you WILL experience if you carry the fetus to term and give it up for adoption. The only way one can know for sure there offspring will be properly cared for is to raise it yourself. There is a risk when you transfer parental control. But if you keep the child you don't have the finances to raise it in the best manner. As an outsider looking in, abortion seems to be your best option.

The most important thing you can do is be honest with yourself and do what is in YOUR best interests.

The difficulty I see in this situation, is that you will always carry guilt and 'what ifs' unless you actually keep and raise the baby. If you give the baby to some other couple, you will always wonder how it is, and whether you did the right thing. You will always be aware of its presence in the world. If you terminate the pregnancy, you will also carry the 'what if I had kept it' burden. At the moment, it's a zygote, and all the paths are available to you. The reason I think you need professional counseling is because of the potential emotional upheaval you may have in store. It really depends on your ability to manage your feelings, not just now, but for the foreseeable future.